{"id":650,"date":"2025-01-27T16:31:00","date_gmt":"2025-01-27T16:31:00","guid":{"rendered":"https:\/\/mobile.lebara.com\/gb\/en\/blog\/?p=650"},"modified":"2025-02-27T09:15:55","modified_gmt":"2025-02-27T09:15:55","slug":"5-tips-to-save-money-in-2023","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/ro\/5-tips-to-save-money-in-2023\/","title":{"rendered":"5 sfaturi pentru a economisi bani \u00een 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Introducere<\/strong><\/h2>\n\n\n\n<p>Anul nou \u00eenseamn\u0103 motiva\u021bii \u0219i determin\u0103ri mari. Mul\u021bi dintre noi am \u00eenceput anul cu obiective mari care s\u0103 ne ajute s\u0103 economisim sau s\u0103 <a href=\"https:\/\/blog.lebara.co.uk\/ro\/the-top-5-investment-apps-for-beginners\/\">investi\u021bi<\/a> bani. Cu toate acestea, criza actual\u0103 a costului vie\u021bii face mai dificil\u0103 economisirea banilor, iar studiile arat\u0103 c\u0103 <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/cost-of-living-crunch-hits-households\/\">60% dintre britanici se a\u0219teapt\u0103 ca facturile lor s\u0103 creasc\u0103 cu 100 de lire sterline sau mai mult \u00een urm\u0103toarele luni<\/a>, ceea ce ar putea s\u0103 v\u0103 afecteze \u0219i mai mult finan\u021bele.<\/p>\n\n\n\n<p>Dar exist\u0103 totu\u0219i modalit\u0103\u021bi inteligente de a economisi banii c\u00e2\u0219tiga\u021bi cu greu.  Am g\u0103sit 5 sfaturi simple care v\u0103 pot ajuta s\u0103 v\u0103 \u00eentinde\u021bi banii. <a href=\"https:\/\/blog.lebara.co.uk\/ro\/the-top-five-budget-smartphones-in-the-uk\/\">buget<\/a> un pic mai departe.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. <strong>Pune\u021bi deoparte economii<\/strong><\/h2>\n\n\n\n<p>Primul pas pentru a economisi bani este s\u0103 pune\u021bi deoparte un procent din venitul dumneavoastr\u0103 pe care \u00eel ve\u021bi economisi sau investi. Pute\u021bi face acest lucru f\u0103c\u00e2ndu-v\u0103 un obicei din a pune deoparte bani pe care s\u0103 \u00eei <a href=\"https:\/\/blog.lebara.co.uk\/ro\/how-to-transfer-apps-to-a-new-phone\/\">transfer<\/a> din contul curent \u00eentr-un cont de economii sau prin stabilirea unui debit direct care s\u0103 transfere automat o anumit\u0103 sum\u0103 \u00een fiecare lun\u0103, imediat ce v\u0103 intr\u0103 salariul. C\u00e2nd face\u021bi acest lucru, este mai u\u0219or s\u0103 v\u0103 men\u021bine\u021bi obiectivele de economisire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. <strong>Muta\u021bi-v\u0103 soldul cardului de credit pe un card cu dob\u00e2nd\u0103 0%<\/strong><\/h2>\n\n\n\n<p>Dac\u0103 ave\u021bi un sold pe cardul de credit, ar putea fi momentul s\u0103 v\u0103 g\u00e2ndi\u021bi s\u0103 transfera\u021bi acest sold pe un card cu dob\u00e2nd\u0103 0%. Pute\u021bi utiliza acest tip de card \u00een dou\u0103 moduri: fie transfera\u021bi soldul actual \u0219i pl\u0103ti\u021bi-l treptat (ceea ce v\u0103 va permite s\u0103 economisi\u021bi bani pe termen lung), fie face\u021bi cump\u0103r\u0103turi mai mari cu noul card, pl\u0103tind c\u00e2t mai mult posibil \u00een fiecare lun\u0103 (\u0219i apoi revenind la noul card dup\u0103 ce se \u00eencheie perioada promo\u021bional\u0103).<\/p>\n\n\n\n<p>A avea un card cu dob\u00e2nd\u0103 0% nu este o scuz\u0103 pentru a cheltui prea mult, fi\u021bi \u00eentotdeauna aten\u021bi s\u0103 cheltui\u021bi doar ceea ce v\u0103 pute\u021bi permite \u0219i nu uita\u021bi c\u0103 scopul dvs. este de a economisi bani! &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. <strong>Sc\u0103pa\u021bi de abonamentele \u0219i abonamentele nefolosite pentru care pl\u0103ti\u021bi, dar pe care nu le folosi\u021bi<\/strong><\/h2>\n\n\n\n<p>Anula\u021bi abonamentele nefolosite \u0219i abonamentele pentru care pl\u0103ti\u021bi, dar pe care nu le folosi\u021bi.<\/p>\n\n\n\n<p>Dac\u0103 pl\u0103te\u0219ti o tax\u0103 lunar\u0103 la o sal\u0103 de sport, dar o folose\u0219ti rar, g\u00e2nde\u0219te-te dac\u0103 nu cumva po\u021bi face exerci\u021bii fizice acas\u0103 sau s\u0103 te apuci de un sport gratuit, cum ar fi joggingul sau alergarea.<\/p>\n\n\n\n<p>De asemenea, lua\u021bi \u00een considerare anularea abonamentelor, cum ar fi cele de muzic\u0103, video \u0219i alte servicii de con\u021binut de divertisment pe care le ave\u021bi \u00een num\u0103r prea mare \u0219i pe care nu le folosi\u021bi neap\u0103rat. Parcurge\u021bi o list\u0103 de verificare a tuturor abonamentelor pe care le ave\u021bi \u0219i elimina\u021bi cele pe care le-a\u021bi folosit mai pu\u021bin de o dat\u0103 \u00een ultimele 3 luni.<\/p>\n\n\n\n<p>De asemenea, verifica\u021bi dac\u0103 vreunul dintre serviciile dvs. ofer\u0103 planuri de familie sau de gospod\u0103rie, astfel \u00eenc\u00e2t s\u0103 pute\u021bi \u00eemp\u0103r\u021bi costurile cu al\u021bi membri ai familiei\/gospod\u0103riei dvs. pentru a economisi!<\/p>\n\n\n\n<p>Ve\u021bi fi surprins de c\u00e2t de mult se adun\u0103 aceste lucruri m\u0103runte \u00een timp.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. <strong>Trece\u021bi la un plan de telefonie mobil\u0103 mai ieftin, f\u0103r\u0103 contract<\/strong><\/h2>\n\n\n\n<p>Contractele de telefonie mobil\u0103 de lung\u0103 durat\u0103, cu cre\u0219teri anuale de pre\u021b incluse \u00een condi\u021biile dumneavoastr\u0103, pot cre\u0219te cu adev\u0103rat costurile \u00een timp. Dac\u0103 sunte\u021bi pe punctul de a ajunge la sf\u00e2r\u0219itul contractului de telefonie mobil\u0103 actual, v\u0103 suger\u0103m s\u0103 trece\u021bi la o op\u021biune flexibil\u0103 mai ieftin\u0103, de tipul <a href=\"https:\/\/blog.lebara.co.uk\/ro\/is-a-sim-only-phone-worth-having\/\">Doar SIM<\/a> plan. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/\">Lebara<\/a> ofer\u0103 oferte pentru 30 de zile, \u00eencep\u00e2nd de la doar 5 \u00a3 pentru 5 GB de date. Dac\u0103 ave\u021bi nevoie de mai multe date sau minute, alege\u021bi dintr-o selec\u021bie de planuri de 10GB - nelimitat - toate cu pre\u021buri fixe \u0219i posibilitatea de a le modifica\/anula \u00een orice moment f\u0103r\u0103 penalit\u0103\u021bi sau gratuit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. <strong>Trece\u021bi la cafeaua f\u0103cut\u0103 \u00een cas\u0103 \u0219i nu mai cump\u0103ra\u021bi ap\u0103 \u00eembuteliat\u0103<\/strong><\/h2>\n\n\n\n<p>Dac\u0103 v\u0103 num\u0103ra\u021bi printre miile de britanici care cheltuiesc o avere pentru a cump\u0103ra cafea afar\u0103, lua\u021bi \u00een considerare posibilitatea de a v\u0103 face o cea\u0219c\u0103 de cafea acas\u0103\/la birou sau chiar de a investi \u00eentr-un aparat de cafea frumos care v\u0103 poate ajuta s\u0103 economisi\u021bi bani pe termen lung.  P\u0103stra\u021bi latte-urile \u0219i cappuccino-urile de lux pentru un r\u0103sf\u0103\u021b ocazional!<\/p>\n\n\n\n<p>&nbsp;De asemenea, nu mai cump\u0103ra\u021bi ap\u0103 \u00eembuteliat\u0103. Nu numai c\u0103 ajuta\u021bi planeta prin reducerea plasticului inutil, dar economisi\u021bi \u0219i o bun\u0103 bucat\u0103 de bani \u00een buzunar. Lua\u021bi-v\u0103 o sticl\u0103 de ap\u0103 reutilizabil\u0103 \u0219i purta\u021bi-o cu dvs. pentru a nu fi nevoit s\u0103 face\u021bi o oprire inutil\u0103 la magazin pentru o b\u0103utur\u0103 \u00een timpul unei ie\u0219iri \u00een ora\u0219.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Concluzie<\/strong><\/h2>\n\n\n\n<p>Sper\u0103m c\u0103 aceste sfaturi v\u0103 vor ajuta s\u0103 economisi\u021bi ni\u0219te bani! Dac\u0103 sunte\u021bi \u00een c\u0103utarea unor modalit\u0103\u021bi de a c\u00e2\u0219tiga bani \u00een plus, \u00een timp ce face\u021bi economii - consulta\u021bi c\u00e2teva sfaturi pentru a face acest lucru din confortul propriei case&nbsp; <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/quick-easy-ways-to-earn-extra-cash-from-the-comfort-of-home\/\">aici.<\/a><\/p>\n\n\n\n<p><strong>Disclaimer<\/strong>: Acest articol are un caracter general \u0219i se refer\u0103 la modalit\u0103\u021bile obi\u0219nuite de a face economii \u0219i nu trebuie considerat ca fiind un sfat financiar profesional. Trebuie s\u0103 discuta\u021bi cu un consilier financiar recunoscut \u00eenainte de a lua orice produs financiar, cum ar fi carduri de credit\/ deschiderea de conturi bancare.<\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction New year is all about big motivations and determinations. Many of us have started the year with big goals to help us save or invest money. However, the ongoing cost of living crisis is making it harder to save money and studies show that 60% of Brits<\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-650","post","type-post","status-publish","format-standard","hentry","category-savings","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/posts\/650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":4,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":2866,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/posts\/650\/revisions\/2866"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/ro\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}